We urge all visitors whether a financial professional, current or prospective client, to review all of the information and documents on this page in their entirety and to contact us with any questions by clicking here or by calling us at (518) 348-0060.
Etico Partners, LLC ("Etico Partners") is a registered broker-dealer (Member FINRA/SIPC), Etico Wealth Management, LLC ("Etico Wealth Management") is a, U.S. Securities and Exchange Commission ("SEC") registered investment adviser. Both entities share office space and personnel and are affiliated through common ownership, control as a subsidiary of Quaestus Holdings, LLC. Quaestus Holdings, LLC is a non-operating holding company and does not provide investment advice or or solicit to buy or sell securities. Financial Professionals affiliated with our firm are either Registered Representatives with Etico Partners who offer only brokerage services and receive transaction-based compensation ("commissions"), Investment Adviser Representatives with Etico Wealth Management who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services from Etico Partners and Etico Wealth Management. Clients are under no obligation to engage the services of Etico Partners, Etico Wealth Management, or collectively both Etico firms. This site is published for residents of the United States and is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or product that may be referenced herein. By visiting this site you have reviewed, acknowledge and agree to the terms and disclosures. This site is published for residents of the United States and is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or product that may be referenced herein. Quartz Partners, LLC ("Quartz") is under common ownership with Etico. Through this affiliation, Quartz shares office space and management and operational personnel. Please understand this is a conflict of interest. Etico Wealth Management and their investment adviser representative’s or recommendation to use Quartz investment management services is based, almost entirely, on the fact that Quartz and Etico Wealth Management are affiliated and Etico Wealth Management has a financial and economic interest to recommend Quartz over other investment advisers that provide similar Sub-Advisory services because Etico Wealth Management will receive compensation that would otherwise be paid to another investment adviser firm serving as Sub-Advisor. You are not required or mandated to utilize the services of Quartz.
Additionally, Investor.gov is an online resource sponsored by the U.S. SEC for investors to view important regulatory disclosures about Etico Partners, LLC, Etico Wealth Management, LLC, our financial professionals and to help investors make sound investment decisions and avoid fraud. Unless otherwise specified, "Etico", "we", "us", "our", and "firm" collectively refers to Etico Partners, LLC and Etico Wealth Management, LLC. Investing involves a high degree of risk and there is always the potential of losing money when you invest in securities. Our firm and our financial professionals do not provide legal, tax, or accounting advice. Clients should speak with their legal, and tax advisor before making any financial decisions or engaging our services.
Business Continuity Plan
We have established a business continuity plan that outlines the processes that will be implemented to an event that significantly disrupts our business.
We understand the value of maintaining privacy when handling our clients private financial information. This document outlines how we treat our clients personal information and procedural safeguards that comply with all regulatory standards in order to guard our clients personal information.
Identity Verification Procedure
To help the U.S. government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. To comply, our firm requires clients to provide name, address, social security number, date of birth and government-issued identification number and, in some cases, additional information that may help with the identification process. Please be advised that we may also consult third-party services to help with the identification process.
ETICO PARTNERS, LLC
Etico Partners is a broker-dealer (“B-D”) in the business of buying and selling securities for its customers and is regulated by FINRA . FINRA is a government authorized, not-for-profit organization, that self-regulates broker-dealers like Etico Partners under the supervision of the SEC. Registered Representatives with Etico Partners offer brokerage services and receive transaction-based compensation (“commissions”). The way Registered Representatives make money creates some conflicts with our clients interests, so Etico Partners Registered Representatives operate under a special rule that requires us to act in our clients best interest and not put our interest ahead of our clients. Please review the important disclosure documents regarding Etico Partners' below:
Client Relationship Summary
Referred to as "Form CRS", this document is required to be delivered clients prior to engaging in our services. The Form CRS tells our clients about: the types of services that we offer; the fees, costs, conflicts of interest, and required standard of conduct associated with those services; whether our firm and our Registered Representatives have reportable legal or disciplinary history; and, how to get more information about Etico Partners. A relationship summary also includes questions to help our clients begin a discussion with our Registered Representatives about the relationship, including their services, fees, costs, conflicts, and disciplinary information.
Broker Check Report
BrokerCheck is a free online tool to research the background and experience of broker-dealers like Etico Partners and registered representatives affiliated with Etico Partners.
Client Services Disclosure
This document provides information and disclosures a for the client’s benefit, protection, and understanding so that the client can make an informed investment decision.
Clearing, Custody & Order Routing
Etico Partners introduces its business on a fully disclosed basis to RBC Correspondent Services (“RBC CS”), a full-service clearing and execution firm providing services to various FINRA registered security broker-dealers.
Prior to buying or selling an option, clients must read a copy of the Characteristics and Risks of Standardized Options, also known as the options disclosure document (ODD). It explains the characteristics and risks of exchange traded options.
Regulation Best Interest
This document establishes a standard of conduct for broker-dealers and their registered representatives and summarizes important information concerning the scope and terms of the brokerage services we offer and details the material conflicts of interest that arise through our delivery of brokerage services to clients of Etico Partners.
ETICO WEALTH MANAGEMENT, LLC
Etico Wealth Management is an SEC registered investment adviser offering investment advice, investment management, and financial planning services. Investment adviser representatives affiliated with Etico Wealth Management are typically compensated by clients with a fixed hard dollar fee for financial planning or an asset-based fee which is calculated as a percentage of the applicable clients investment assets managed by Etico Wealth Management.
Client Relationship Summary
Referred to as "Form CRS", is required to be delivered clients prior to engaging in our services. The Form CRS tells our clients about: the types of services that we offer; the fees, costs, conflicts of interest, and required standard of conduct associated with those services; whether our firm and our Registered Representatives have reportable legal or disciplinary history; and, how to get more information about Etico Wealth Management. A relationship summary also includes questions to help our clients begin a discussion with our Registered Representatives about the relationship, including their services, fees, costs, conflicts, and disciplinary information.
Code of Ethics
This document has been adopted by Etico Wealth Management, LLC to comply with Rule 204A-1 under the Investment Advisers Act of 1940 and the CFA Institutes Asset Manager Code of Professional Conduct. This document outlines our undertaking and performing our responsibilities with honesty and integrity are critical to maintaining investors’ trust and confidence and to upholding the client covenant of trust, loyalty, prudence, and care.
Form ADV Part 2A
Referred to as our "Firm Brochure", this document provides information about the qualifications, business practices, of Etico Wealth Management along with potential conflicts of interest with our clients. We provide our firm brochure at the inception of our client relationship, when we make any material changes to our Firm Brochure, as well offering our client our updated Firm Brochure no less than annually.
Investors should carefully consider the underlying funds’ fees, expenses, objectives and risks carefully before investing. Etico, our financial professionals and our affiliated firm, Quartz Partners, LLC ("Quartz"), put forth their best effort to achieve our investment objectives. However, there is no guarantee that the objectives will be achieved. Past performance is no guarantee of future performance and client's should be prepared to bear the loss of their investments. An account's return and principal will fluctuate so that the account, when redeemed, may be worth more or less than the amount in the account at or subsequent to the effective date of opening the account. Actual fees paid and performance may vary based on factors including account size, custodian, contributions and withdrawals, which may cause your returns to differ from those listed in this report. In particular, accounts held at variable annuities and/or mutual fund families will have performance that frequently deviates from the listed data due to internal fees and investment options. Please contact Etico or your custodian for your specific performance information. Investments may involve above-average portfolio turnover, which could negatively impact the net after-tax gain experienced by an individual client. Performance results do not reflect the impact of taxes. Investments in the programs are subject to investment and manager risk, which carry the potential for a loss of principal. Tactical management strategies do not protect against losses in declining markets and there is no guarantee that the strategy performance will meet or exceed the listed benchmark. Quartz's risk management process includes an effort to monitor and management risk, but should not be confused with and does not imply low risk.
High yield bonds may be subject to greater market fluctuations, risk of default or loss of income and principal than higher rated securities. The use of leverage strategies by a fund increases the risk to the fund and magnifies gains or losses on the investment. You could incur significant losses even if the long-term performance of the underlying index showed a gain. Most leveraged funds “reset” daily. Due to the effect of compounding, their performance over longer periods of time can differ significantly from the performance of their underlying index or benchmark during the same period of time. Inverse index funds experience losses when the underlying benchmark rises. The benchmarks referenced herein have not been selected to represent an appropriate benchmark with which to compare a client’s performance, but rather are disclosed to allow for comparison of the client’s performance to that of certain well-known and widely recognized indices. Indexes are unmanaged, do not incur management fees, costs and expenses, and cannot be invested in directly. The S&P 500 Index is a market capitalization-weighted index of 500 widely held stocks often used as a proxy for the stock market. It is the most widely used benchmark for US stock funds and portfolios. The Barclays Capital U.S. Aggregate Bond Index is comprised of approximately 6,000 publicly traded bonds including U.S Government, mortgage-backed, corporate, and Yankee bonds with an approximate average maturity of 10 years.
Quartz Partners, LLC
Quartz is an investment adviser registered with the SEC under the Investment Advisers Act of 1940. SEC registration does not constitute an endorsement of the firm by the SEC nor does it indicate that the advisor has attained a particular level of skill or ability. Quartz’s Form ADV Part 2: Firm Brochure, Form CRS and other account documentation are available upon request or by clicking this link. Quartz claims compliance with the Global Investment Performance Standards (GIPS®). A complete list and description of the firm’s composites and a presentation that adheres the GIPS® standards are available upon request. Quartz is under common ownership with Etico. Through this affiliation, Quartz shares office space and management and operational personnel. Please understand this is a conflict of interest. Etico Wealth Management, LLC and their investment adviser representative’s or recommendation to use Quartz investment management services is based, almost entirely, on the fact that Quartz and Etico Wealth Management, LLC are affiliated and Etico Wealth Management, LLC has a financial and economic interest to recommend Quartz over other investment advisers that provide similar Sub-Advisory services because Etico Wealth Management, LLC will receive compensation that would otherwise be paid to another investment adviser firm serving as Sub-Advisor. You are not required or mandated to utilize the services of Quartz.
WEBSITE COOKIES POLICY, TERMS & CONDITIONS
Please read these Terms and Conditions ("Agreement", "Terms and Conditions") carefully before using www.eticofinancial.com (the "Site") operated by our firm. This Agreement sets forth the legally binding terms and conditions for your use of the site.
By accessing or using the Site in any manner, including, but not limited to, visiting or browsing the Site or contributing content or other materials to the Site, you agree to be bound by these Terms and Conditions. Capitalized terms are defined in this Agreement.
Intellectual Property the Site and its original content, features and functionality are owned by Quaestus Holdings, LLC ("Quaestus") and are protected by international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.
We may terminate your access to the site, without cause or notice, which may result in the forfeiture and destruction of all information associated with you. All provisions of this Agreement that by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
Links To Other Sites
All content included on this site, such as text, graphics, logos, icons, images, audio/video clips, charts, research, is the property of our firm and protected by United States and international copyright laws.
Etico, Etico Partners, LLC, Etico Wealth Management, LLC and other Etico graphics, logos, page headers, button icons, scripts, and service names are trademarks or trade dress of Etico. Our trademarks and trade dress may not be used in connection with any product or service that is not our firm, in any manner that may cause confusion among clients, or in any manner that disparages or discredits our firm. All other trademarks not owned by our firm that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by our firm.
A cookie is a small text file downloaded to an individual’s computer (or other device) when accessing webpages that use them. Cookies and other online tracking technologies (collectively referred to in this policy as “cookies”) allow a website to store and retrieve information about visitors’ online activity. Cookies are, for example, how a website remembers what display language you chose or what items you put into your online shopping cart.
Cookies can be categorized by who places them:
First-party cookies: These cookies are downloaded to an individual’s computer from a server or domain managed by the publisher of the website whose service the individual is requesting.
Third-party cookies: These cookies are downloaded to a computer from a server or domain that is not managed by the publisher, but by another entity that may be seeking data obtained through cookies.
Cookies can also be categorized by their duration:
Session cookies: These cookies are designed to collect and store data while the individual accesses a web page. They are often used to store information for the duration of a visit to the site (e.g., what account you are logged into). Once an individual leaves the website, the session cookie is deleted.
Persistent Cookies: These cookies store data on a computer for the duration of the period set within the cookie’s file, which is determined by the entity controlling the cookie, and can range from a few minutes to several years, or until manually deleted.
Lastly, cookies can be categorized by the function they serve. We use the following types of first- and third-party cookies:
Functionality Cookies:These cookies allow the website to remember choices you make (such as your geographic region or preferred text size). Functionality cookies do not collect any personal information. Enabling functionality cookies may be necessary to access the full content of website material.
Personalization Cookies: Personalization cookies allow a website to remember information that changes the page’s appearance or behavior, such as, for example, the language selected for viewing the page.
Analytics Cookies: Analytics cookies analyze how individuals browse a website and enable us to measure the number of visitors to its websites, as well as to measure and analyze how individuals interact with the site. We use this information to improve the websites and the products or services offered.
Behavioral Advertising Cookies: We serve advertisements on various websites using third party companies. If an individual visits a website or clicks on one of our advertisements, behavioral cookies will be placed on the individual’s computer. Behavioral cookies allow us to manage and optimize its digital marketing (e.g., banner ads, pages offering informational brochures, email campaigns, etc.) Behavioral cookies may be used to build a profile to provide content more relevant to an individual’s interests. They adapt advertising and the content the individual sees on other websites based on browsing habits, including how the individual navigates websites, as well as how the individual interacts with internet advertising.
"Do Not Track" Signals"
Our website does not respond to "do not track" signals from user's web browser.
How to Manage Cookies
To learn more about behavioral advertising cookies and to opt in or out of multiple advertising networks at once, you can visit the website YourAdChoices. Some advertising networks do not participate in the YourAdChoices service. To opt out of some of these networks, please visit the consumer opt-out page of the Network Advertising Initiative.
As explained above, cookies help you to get the most out of the websites that make use of this technology. Disabling cookies may affect the functionality of many of the websites you visit. If you do disable cookies, performance and functionality will be affected. If you wish to delete, disable, or re-enable cookies, you may do so through your browser by using a 'help' function in the browser or contact the browser provider (e.g., Chrome, Microsoft Edge, Safari, Firefox).
We grant you a non-exclusive, non-transferable, limited license to use the Site in accordance with this Agreement.
Limitation Of Liability
In no event shall our firm, nor our directors, employees, partners, agents, suppliers, or affiliates, be liable for damages, direct or consequential, resulting from your use of the Site, and you agree to defend, indemnify and hold us harmless from any claims, losses, liability costs and expenses, including but not limited to attorney's fees, arising from your violation of any third-party's rights.
Your use of the Site is at your sole risk. The Site is provided on an "as is" and "as available" basis. The Site is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance. Our firm, our subsidiaries, affiliates, and our licensors do not warrant that a) the Site will function uninterrupted, secure or available at any particular time or location; b) any errors or defects will be corrected; c) the Site is free of viruses or other harmful components; or d) the results of using the Site will meet your requirements.
This Agreement (and any further rules, polices, or guidelines incorporated by reference) shall be governed and construed in accordance with the laws of New York, United States, without giving effect to any principles of conflicts of law.
Changes To This Agreement
We reserve the right, at our sole discretion, to modify or replace these Terms and Conditions by posting the updated terms on the Site. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms and Conditions. Please review this Agreement periodically for changes. If you do not agree to any of this Agreement or any changes to this Agreement, do not use, access or continue to access the Site or discontinue any use of the Site immediately.
If you have difficulty learning about our services, any questions, or issues related to the accessibility features of our website, we invite you to contact us via telephone (518-348-0060) or email (email@example.com) or even a letter (Compliance, 1795 Route 9, Clifton Park, New York 12065) and our friendly staff will gladly assist you.
We work very hard to provide an easy-to-use online experience for all our visitors. We believe all our website visitors should be able to easily research online at https://www.eticofinancial.com regardless of device type or the need for assistive technology like a screen reader, font magnification, translation or voice recognition software.
To ensure this, we are committed to compliance with Level AA success criteria of the Website Content Accessibility Guidelines 2.1 (WCAG 2.1), an international standard measure of accessibility success. Our website and digital marketing have been developed with careful consideration of these guidelines and is continuously being enhanced to make our technology more accessible and user-friendly. We have tested our website using "Accessibility Wizard", created by Wix.com.
Optimize the way you view your web browser. If you have difficulty in reading the our website on your screen, you may be able to change the settings on your browser to help you improve readability and visibility of each webpage:
Learn about the Accessibility features of these major Internet Browsers below:
• Mozilla Firefox: Click Here for Mozilla Firefox Accessibility Features
• Google Chrome: Click Here for Google Accessibility Features
• Internet Explorer: Click Here for Microsoft Internet Explorer Ease of Access Options
• Apple Safari: Click Here for Apple Accessibility Support
EMAIL TERMS & CONDITIONS
Our firm is notifying you that emails, including attachments, may include non-public, confidential or legally privileged information. If you are not an intended recipient, you are hereby notified that any dissemination, distribution or copying of the information contained in or transmitted with this e-mail is unauthorized and strictly prohibited. If you have received this email in error, please notify the sender by replying to this email and permanently delete this e-mail, its attachments, and any copies of it immediately. Information in emails is not warranted as to completeness or accuracy. Further, since the confidentiality of email cannot be guaranteed, please do not include private or confidential information in your email communications. Emails are subject to regulatory and supervisory, and law enforcement review. Email transmission cannot be guaranteed to be secure or error-free. All information within emails is subject to change without notice. Any comments or statements made herein do not necessarily reflect those of our firm.
IRS Circular 230 Disclosure
Please be advised that any discussion of U.S. tax matters contained within this communication (including any attachments) is not intended or written to be used and cannot be used for the purpose of (i) avoiding U.S. tax related penalties or (ii) promoting, marketing or recommending to another party any transaction or matter addressed herein.
Content attributed by our firm is for informational and educational purposes only as of the date of writing and may change at any time based on market or other conditions. The material is not intended to be relied upon as investment advice or recommendations, does not constitute a solicitation to buy or sell securities and should not be considered specific legal, investment or tax advice. The information provided does not take into account the specific objectives, financial situation, or particular needs of any specific person. All investments carry a certain degree of risk and there is no assurance that an investment will provide positive performance over any period of time.